GB/T 45251-2025 Internet finance—Online consumer lending—Guidance on post-loan collection risk control

Scope

This document stipulates the general requirements for risk control of post-loan collection of personal online consumer credit, the norms of collection work, and measures to promote the healthy development of collection business.
This document applies to commercial banks, consumer finance companies, micro-loan companies, auto finance companies, and other institutions engaged in lending business (hereinafter collectively referred to as "financial institutions") that conduct or entrust third-party collection agencies to carry out post-loan collection of personal online consumer credit. This document also applies to creditors such as financial asset management companies, local asset management companies, financial asset investment companies, and financing guarantee companies that conduct or entrust third-party collection agencies to carry out collection business after transferring creditor's rights in accordance with regulations. Financial institutions that conduct or entrust third-party collection agencies to carry out post-loan collection of individual business loans and personal non-online consumer credit (including credit card products) may refer to and use this document for reference.

Development Information

Referenced Standards

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